Filed September 4, 2025
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $80,003 | $68,681+16.5% | $86,615-7.6% | $85,847-6.8% |
| Participation rate | 57.3% | 66.4%-9.1pp | 71.6%-14.4pp | 69.3%-12.0pp |
| Annual return | 15.88% | 20.12%-4.2pp | 63.51%-47.6pp | 318.61%-302.7pp |
| Employer contribution / active EE | $23 | $1,880-98.8% | $2,496-99.1% | $2,565-99.1% |
| Participant deferral / active EE | $2,811 | $2,919-3.7% | $3,699-24.0% | $3,952-28.9% |
| Admin fee / account holder | $16,912 | $5,974+183.1% | $5,830+190.1% | $6,261+170.1% |